Capital Gains Tax Calculator 2025
Estimate short-term & long-term capital gains tax with the free capital gains tax calculator for 2025.
Capital Gains Tax Calculator
Enter your income and gains above and press Calculate.
Key Notes
- This is a simplified estimate for tax year 2025 — not the official IRS capital gains calculation and not tax advice.
- Example: $55,750 other income, Single, $10,000 long-term gain = about $247.50 long-term capital gains tax.
- Short-term gains (held 1 year or less) are taxed at ordinary income tax rates.
- Long-term gains (held more than 1 year) are taxed at 0%, 15%, or 20%.
- 2025 long-term 0% ceiling: $48,350 single, $96,700 married filing jointly.
How the capital gains tax calculator works
Enter your other annual income, your short-term gain, and your long-term gain, and choose your filing status. The calculator applies the 2025 standard deduction, taxes your short-term gain at ordinary income tax rates, and taxes your long-term gain at 0%, 15%, or 20%, stacked on top of your other taxable income. It shows the tax on each part, the total capital gains tax, and your total tax.
This is an estimate for planning only. It is not the IRS capital gains calculation and it is not tax advice. The 3.8% Net Investment Income Tax is not included, and state capital gains tax is not included. Check with a tax professional before selling an asset.
What affects your capital gains tax
How long you held the asset, your other income, and your filing status all change the result. A long-term gain is taxed at a lower rate than the same short-term gain. A higher income can push a long-term gain from the 0% band into the 15% or 20% band.
Related guides on MyTaxGurus
- Federal Income Tax Calculator — estimate your annual federal income tax for 2025.
- IRS Withholding Tax Calculator — estimate your federal withholding per paycheck.
- Tax Refund Calculator — estimate your federal tax refund for 2025.
- TurboTax Vs H&R Block Tax Calculator — compare the two tax software options before you file.
Frequently asked questions
How do I calculate capital gains tax?
To calculate capital gains tax, work out your gain — sale price minus cost — then check how long you held the asset. Short-term gains are taxed at ordinary rates, and long-term gains at 0%, 15%, or 20%. This capital gains tax calculator does that calculation for you.
What is the difference between short-term and long-term capital gains?
For “short-term vs long-term capital gains”, a short-term gain is on an asset held 1 year or less and is taxed at ordinary income tax rates. A long-term gain is on an asset held more than 1 year and is taxed at 0%, 15%, or 20%.
What is the long-term capital gains tax rate for 2025?
For “what is the long-term capital gains tax rate for 2025”, it is 0% up to $48,350 of taxable income for a single filer, 15% up to $533,400, and 20% above that. The ceilings are higher for married filing jointly.
How much capital gains tax will I pay on $10,000?
For “how much capital gains tax on $10,000”, it depends on your other income and how long you held the asset. A single filer with $55,750 other income and a $10,000 long-term gain pays about $247.50. The same $10,000 as a short-term gain would be taxed at ordinary rates.
Are capital gains taxed at 0%?
For “are capital gains taxed at 0%”, yes, sometimes. Long-term gains are taxed at 0% when your taxable income is below the 0% ceiling — $48,350 for a single filer in 2025. Short-term gains are never taxed at 0%.
Does this calculator include the Net Investment Income Tax?
No. For “does the capital gains calculator include the Net Investment Income Tax”, the 3.8% Net Investment Income Tax on high incomes is not included. It can apply above $200,000 single or $250,000 married filing jointly.
Does it include state capital gains tax?
No. For “does the capital gains tax calculator include state tax”, this calculator estimates federal capital gains tax only. State capital gains tax is separate and depends on your state.
Is this the official IRS capital gains calculator?
No, this is not the official IRS capital gains calculator. This is a simplified capital gains tax calculator estimate made by MyTaxGurus. For the official figure, use your filed return and a tax professional.
How can I lower my capital gains tax?
For “how can I lower my capital gains tax”, common ways are holding an asset for more than 1 year so it is long-term, offsetting gains with capital losses, and timing a sale in a lower-income year. Check with a tax professional before changing your plan.
Why might my actual capital gains tax differ?
If you search “why is my capital gains tax different from the calculator”, the usual reasons are your cost basis, capital losses, the Net Investment Income Tax, and state tax not included here. Your actual return uses your full tax situation.